Ripple advances institutional finance strategy through lending and privacy tools
ChainCatcher news, according to Blockworks, Ripple stated in the roadmap released on Monday that it is accelerating its institutional finance strategy, launching a series of compliance and credit tools, while preparing to launch a native lending protocol later this year.Currently, three compliance features—credentials, deep freeze, and simulation—are live. Credentials associate with decentralized identity identifiers, helping issuers verify user attributes; deep freeze prevents the transfer of funds from sanctioned accounts; simulation allows developers to test transactions without recording them, expanding the compliance toolkit. The upcoming lending protocol will introduce pool lending and underwritten credit, providing institutions with low-cost compliant loans and opportunities for small investors to benefit.In the future, the XRPL community will also develop zero-knowledge proofs, with confidential multi-purpose tokens set to launch in early 2026, enabling collateral management without disclosing sensitive data. The roadmap shows that Ripple aims to position XRPL as a leading blockchain for institutional finance, and its adoption by institutions will depend on balancing regulation and security scalability.